Add-on Card Benefits
Analyze if getting an Add-on credit card for your family makes financial sense by comparing the fee against the extra rewards and perks.
Many premium cards offer lifetime free add-on cards. Enter 0 if free.
How much will your family member spend using the add-on card?
The net value back you get per transaction. E.g., 2%.
Will the add-on user use independent lounge access? Estimate value (e.g., 2 visits * ₹800 = ₹1600).
Highly Recommended
+₹2,900
The add-on card pays for itself. Net positive value generated annually.
Cost
Add-on Card Fee₹500
Benefits Computed
Annual Spends routed₹1,20,000
Value from Rewards₹1,800
Value from Perks (Lounge)₹1,600
Total Benefits Value₹3,400
Why get an Add-on Card?
- Milestone Hacking: If your main card has a milestone benefit (like ₹2000 voucher on spending ₹4 Lakhs), routing family spends through an add-on card helps you hit that milestone faster.
- Convenience: Unified billing. One statement to track household expenses.
- Lounge Access: Sometimes Add-on cards get their own independent lounge visits, making airport travel easier when traveling with family.